You can talk to a financial professional and get your financial questions answered, covering not just investments but possibly a broader range of financial issues like budgeting and taxes.

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They are more likely to take charge of choosing new financial products and accounts, budgeting, spending, saving and long-term financial planning.

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An article in the New York Times Bucks blog calls budgeting your most essential financial task.

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These credit unions aim to increase the number of financial services available, introducing more current accounts, budgeting accounts, and cash Individual Savings Accounts (Isas).

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He gives the example of a simulation that lets someone who works in marketing make financial decisions so that they develop a better understand budgeting issues.

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